This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Balanced portfolio with a strong tilt towards tech and utilities with a unique exposure to Bitcoin

Report created on Aug 9, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

The portfolio is heavily weighted towards equities, with a significant portion allocated to the Vanguard S&P 500 ETF, Schwab U.S. Large-Cap Growth ETF, and Utilities Select Sector SPDR® Fund, making up 80% of the portfolio. The inclusion of the iShares Bitcoin Trust and sector-specific ETFs like the VanEck Semiconductor ETF and Vanguard Information Technology Index Fund ETF Shares introduces a focused exposure to technology and cryptocurrencies. This composition suggests a strategy that leans towards growth with a cushion provided by utilities, albeit with a concentrated risk profile due to the heavy reliance on specific sectors and asset classes.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 28.63% and a maximum drawdown of -19.49%, the portfolio has demonstrated robust growth potential tempered by significant volatility. The days contributing to 90% of returns being so few indicate that the portfolio's performance is highly reliant on short periods of exceptional gains, which underscores the importance of timing and market conditions in achieving these results. Such performance metrics, while impressive, should be viewed with caution as past success does not guarantee future returns.

Projection Info

Utilizing Monte Carlo simulations, which forecast future performance based on historical data, the portfolio shows a wide range of outcomes with a median projected growth of 8,315.4%. While simulations suggest a strong upside, it's important to remember that these projections are speculative and depend on historical market behaviors continuing into the future, which may not always be the case. This method helps in understanding potential risks and rewards but is not a crystal ball.

Asset classes Info

  • Stocks
    92%
  • Other
    8%

The portfolio's allocation shows a significant emphasis on stocks (92%), with a minor allocation to 'Other' (8%), presumably representing the Bitcoin exposure. This high concentration in equities, while potentially lucrative, lacks diversification across asset classes, which could mitigate risk during market downturns. Broadening the asset class mix could enhance the portfolio's resilience against volatility.

Sectors Info

  • Technology
    29%
  • Utilities
    21%
  • Financials
    7%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    5%
  • Industrials
    4%
  • Consumer Staples
    3%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

The sectoral allocation reveals a strong bias towards technology and utilities, with these sectors making up half of the portfolio. While technology stocks may offer high growth potential, they are also subject to higher volatility and regulatory risks. Utilities, on the other hand, provide stability and consistent dividends but might lag during bull markets. This sectoral mix underscores a balance between growth and income, though it's skewed towards higher risk and reward scenarios.

Regions Info

  • North America
    91%
  • Asia Developed
    1%
  • Europe Developed
    1%

Geographic exposure is predominantly North American (91%), with minimal diversification into developed markets in Asia and Europe. This concentration enhances exposure to the economic and political risks specific to the North American market. Expanding geographic diversification could reduce risk by spreading exposure across different economies and regulatory environments.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    30%
  • Mid-cap
    23%
  • Small-cap
    1%

The market capitalization breakdown shows a preference for mega (38%) and big (30%) cap stocks, with lesser exposure to medium (23%) and small (1%) caps. This bias towards larger companies may offer stability and lower volatility but can also limit potential for high growth rates seen in smaller, more agile companies. Including more mid to small-cap stocks could introduce higher growth opportunities at the expense of increased risk.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Vanguard Information Technology Index Fund ETF Shares
    High correlation

The high correlation observed among the Vanguard S&P 500 ETF, Schwab U.S. Large-Cap Growth ETF, and Vanguard Information Technology Index Fund ETF Shares indicates overlapping exposures, which might limit the diversification benefits of holding multiple assets. Reducing such overlap can lead to a more efficient risk-reward profile by ensuring that each asset contributes uniquely to portfolio performance.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

Given the portfolio's current composition, there's an opportunity to optimize by reducing the overlap among highly correlated assets. This process would involve reassessing the need for multiple assets that track similar sectors or indices, potentially reallocating those funds to underrepresented areas or asset classes. Such optimization could improve the portfolio's diversification and risk-adjusted returns without significantly altering its growth potential.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Utilities Select Sector SPDR® Fund 2.60%
  • Weighted yield (per year) 1.13%

The portfolio's average dividend yield stands at 1.13%, with the Utilities Select Sector SPDR® Fund offering the highest yield at 2.60%. While dividends contribute to the portfolio's total return, the overall yield suggests a focus on growth over income. Investors seeking higher income might consider increasing allocations to higher-yielding assets or sectors.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.07%

The portfolio's total expense ratio (TER) of 0.07% is impressively low, enhancing net returns to the investor. Lower costs are crucial for long-term growth as they compound over time, leaving more of the portfolio's gains in the investor's pocket. This cost efficiency is a positive aspect of the portfolio's construction.

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